OS | OF4 FILED FOR RECORD Sep 02 2026, 3:51 prr NOTICE OF SUBSTITUTE TRUSTEE'S SALE Date of Notice: September 2, 2026 A BH aaron Property: 4410 Huling Road, Sanger, Texas 76266 Legal Description: Lot 3, Block B, Elk Farms, Phase One, an addition to the Extra- Territorial Jurisdiction of the City of Sanger, Denton County, Texas, according to the plat recorded under Document No. 2009-131, Plat Records, Denton County, Texas Security Deed of Trust dated March 28, 2023, executed by James Thomas Howard and Dawn Instrument: L. Howard, as grantors, to Stephen L. Parker, Trustee, securing indebtedness evidenced by a Promissory Note dated March 28, 2023, and recorded under Instrument No. 30358, Official Public Records of Denton County, Texas. Vendor’s Lien: The Note is additionally secured by the vendor’s lien and superior title retained in the Warranty Deed with Vendor’s Lien dated March 28, 2023, from James M. Elliott and Shayna M. Elliott to James Thomas Howard, recorded on March 29, 2023, under Instrument No. 30357, Official Public Records of Denton County, Texas. Current Rebecca Karvouniaris, as transferee of the Note and liens pursuant to the Transfer of Mortgagee: Note and Lien recorded July 28, 2025, under Instrument No. 83098, Official Public Records of Denton County, Texas. Substitute Ryan D. Adair, 566 N. Kimball Ave., Suite 140, Southlake, Texas 76092 Trustee: Foreclosure Sale Date: Tuesday, October 6, 2026 Time: The sale will begin at 10:00 a.m. Central Time or within three (3) hours thereafter. Place: The southwest corner of the Denton County Courts Building, 1450 E. McKinney Street, Denton, Texas 76209. Terms: — Public auction to the highest bidder for cash, subject to the terms of the Deed of Trust, applicable law, and any conditions announced by the Substitute Trustee at the sale. APPOINTMENT OF SUBSTITUTE TRUSTEE. Pursuant to the Deed of Trust and Texas Property Code Sections 51.0075 and 51.0076, the undersigned, as attorney and authorized agent for Rebecca Karvouniaris, hereby appoints, by this Notice of Sale, Ryan D. Adair, whose street address is 566 N. Kimball Ave., Suite 140, Southlake, Texas 76092, as Substitute Trustee with all title, powers, and duties of the original trustee, including the power of sale granted by the Deed of Trust and applicable law. THIS INSTRUMENT APPOINTS THE SUBSTITUTE TRUSTEE(S) IDENTIFIED TO SELL THE PROPERTY DESCRIBED IN THE SECURITY INSTRUMENT IDENTIFIED IN THIS NOTICE OF SALE. THE PERSON SIGNING THIS NOTICE IS THE ATTORNEY OR AUTHORIZED AGENT OF THE MORTGAGEE OR MORTGAGE SERVICER. NOTICE OF SUBSTITUTE TRUSTEE'S SALE. The default remains uncured. The indebtedness was previously accelerated and remains unpaid. The Substitute Trustee will sell the Property at public auction under the power of sale contained in the Deed of Trust. The sale will be conducted as follows: The sale will include all right, title, and interest conveyed by the Deed of Trust, together with the improvements and appurtenances covered by it. The Property will be sold AS IS, WHERE IS, without representation or warranty by the Substitute Trustee, subject to all matters affecting title. Rebecca Karvouniaris may bid by credit against the indebtedness as permitted by the Deed of Trust. The Substitute Trustee may withdraw, postpone, or reschedule the sale as permitted by applicable law. Sender of this notice: R.D. Adair, PLLC, 566 N. Kimball Ave., Suite 140, Southlake, Texas 76092. Is/ R.D. Adair Ryan D. Adair Attorney and Authorized Agent for Rebecca Karvouniaris Page | of 1